Xiomara Blanco is an associate editor for CNET Reviews. She's a Bay Area native with a knack for tech that makes life easier and more enjoyable. So, don't expect her to review printers anytime soon.

When a payment is over 120 days late, creditors often send your debt to a collections agency. Almost any kind of payment can be sent to collections, such as credit card debt, subscription fees, or ...

The decision to send someone to collections is one that should be given serious consideration. Federal law governs how you and the collection agencies you hire can and cannot attempt to collect a debt ...